The Amex additional warranty coverege is called the Buyer's Assurance Plan. It's available on select cards (I know blue and optima for sure since I have both). You don't have to fill out or mail in anything, just keep the original receipt and packaging. If you want full details call Amex customer service. Not trying to push you off, but they can explain the plan much better than I can. It's not something from Overstock, it's a Amex card member benefit. Thanks for the link... I'll keep looking for something else cheap!